Pathward Financial, Inc. cash flow to debt ratio of 1.06K% indicates that the company generates enough cash to cover a substantial portion of its debt. This level indicates very strong financial health.

Pathward Financial, Inc.'s free cash flow has increased 33.83% from $176.78M last year to $236.59M, signaling increasing performance

Pathward Financial, Inc.'s debt to equity ratio is 0.24, which means that the company's assets are healthy financed, signaling financial stability.

Pathward Financial, Inc.'s debt has decreased relative to shareholder equity from 0.49 last year to 0.24 today, signaling strengthened financials

Pathward Financial, Inc. has a net cash position, so leverage is healthy.

Pathward Financial, Inc. earns at least as much interest as it pays. Interest obligations are fully covered.

Pathward Financial, Inc.'s profit margin has decreased (20.12%) in the last year from 27.39% to 21.88%, signaling decreasing performance

Pathward Financial, Inc.'s short-term liabilities of $5.90B exceed its short-term assets of $1.28B, signaling financial risk

Pathward Financial, Inc.'s return on assets of 2.40% is lower than the 5.00% threshold, indicating inefficient asset utilization

Pathward Financial, Inc.'s return on equity of 20.58%, is higher than 15.00%, indicating good performance

Pathward Financial, Inc.'s operating cash flow exceeds its net income, indicating high-quality earnings backed by actual cash generation

Pathward Financial, Inc. had positive net income in 5 out of 5 years, indicating stable and consistent earnings

Pathward Financial, Inc. has positive free cash flow, indicating the company generates cash after capital expenditures

Pathward Financial, Inc. has a free cash flow yield of 12.88%, which is above the 2.00% threshold, indicating strong cash generation relative to market value

Pathward Financial, Inc.'s yearly earnings has increased 1.45% since last year from $183.22M to $185.87M, signaling increasing performance

Pathward Financial, Inc.'s yearly revenue has decreased 47.60% since last year from $626.20M to $328.10M, signaling decreasing performance

ROIC 13.23% (Source: FMP key-metrics). At or above the 10% threshold. Score: 2 of 2. The company is generating returns above the upper end of the typical US weighted-average cost of capital range under this definition of invested capital.

Pathward Financial, Inc.'s 3-year revenue CAGR of 9.40% is positive, indicating growing revenue over the past 3 years

Pathward Financial, Inc. had revenue growth in 5 out of 5 years, indicating consistent revenue performance

Pathward Financial, Inc. had positive ROE in 5 out of 5 years, indicating consistent and reliable returns on equity

Pathward Financial, Inc. is overvalued relative to its fair value price of 83.09 based on Discounted Cash Flow model

Pathward Financial, Inc. has an earnings yield of 9.32%, which is above the 4.00% threshold, indicating the stock offers reasonable value relative to its earnings

Pathward Financial, Inc. is undervalued relative to its fair value price of 92.11 based on EBITDA multiple model

Pathward Financial, Inc. has an EV/EBITDA ratio of 2.78x, which is below the 20.00x threshold, indicating reasonable valuation relative to its operating earnings

Pathward Financial, Inc. is undervalued relative to its fair value price of 190.65 based on Earnings Fair Value model

Pathward Financial, Inc. has a PEG-ratio under 1 which is considered undervalued

Pathward Financial, Inc. has a price-to-book ratio of 2.22x, which is below the 5.00x threshold, indicating reasonable valuation relative to its book value

Pathward Financial, Inc. has a price-to-sales ratio of 2.35x, which is below the 8.00x threshold, indicating reasonable valuation relative to its revenue